The Cape Cod Five Cents Savings Bank

532 Main St.
Harwich Port, MA 02646

Notable Rates APY Vs.Others
Savings N.A. 2.30% →
1-Year CD N.A. 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

The Cape Cod Five Cents Savings Bank is an FDIC insured institution located in Harwich Port, MA. It was founded in 1855 and has approximately $3.53 billion in assets. Customers can open an account at one of its 21 branches.

FDIC Insured Yes
FDIC Certificate # 23287
Date Established 1855
Assets $3.53 billion
Loans $2.94 billion
Deposits $2.99 billion
Capital $0.34 billion
 

For a more detailed analysis of The Cape Cod Five Cents Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 10, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for The Cape Cod Five Cents Savings Bank, but see these great savings and CD rates:

Advertiser Disclosure
Checking Rates APY MIN FEE
Free Checking 0.00% $0 $0.00 Learn MoreShow Less

Loan Rates - December 10, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for The Cape Cod Five Cents Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.625% 3.625% -0.13 ($362) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to The Cape Cod Five Cents Savings Bank
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Branches

The Cape Cod Five Cents Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


The Cape Cod Five Cents Savings Bank Locations


Financial Details

The Cape Cod Five Cents Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Cape Cod Five Cents Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Cape Cod Five Cents Savings Bank U.S. Bank Average
4.05% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, The Cape Cod Five Cents Savings Bank had $14,515,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $340,477,000 in equity and $18,245,000 in loans loss reserves. That gives it a Texas Ratio of 4.05%.

Return on Equity
The Cape Cod Five Cents Savings Bank U.S. Bank Average
7.56% 9.50%

The Cape Cod Five Cents Savings Bank has a Return on Equity of 7.56% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Cape Cod Five Cents Savings Bank U.S. Bank Average
9.66% 12.76%

The Cape Cod Five Cents Savings Bank has a Capitalization of 9.66% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Cape Cod Five Cents Savings Bank Balance Sheet Analysis

As of June 30, 2019, The Cape Cod Five Cents Savings Bank had assets of $3,525,307,000, loans of $2,940,573,000, and deposits of $2,991,927,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.01 billion
Total securities $0.35 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $2.94 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.09 billion
     Total Assets $3.18 billion
LIABILITIES
Total deposits $2.99 billion
      Interest-bearing deposits $2.86 billion
      Deposits held in domestic offices $2.99 billion
      % insured (estimated) 72.24%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.16 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $3.18 billion
      Shareholders’ Equity $0.34 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.07 billion
Total Interest Expense $0.01 billion
Net interest income $0.05 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.05 billion
Pre-tax Net Operating Income $0.02 billion

Bank Loan Profile?

The top three loan types in The Cape Cod Five Cents Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, The Cape Cod Five Cents Savings Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 71.37
Multifamily
Mortgages
0.83
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 8.09
Construction and Development Loans 4.54
Commercial Real Estate 18.26
Commercial and Industrial Loans 4.02
Farm Loans 0.10

Frequently Asked Questions About The Cape Cod Five Cents Savings Bank

Branches and Savings

Is The Cape Cod Five Cents Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23287.

Why does The Cape Cod Five Cents Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The Cape Cod Five Cents Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The Cape Cod Five Cents Savings Bank a commercial bank?

Yes

Where are The Cape Cod Five Cents Savings Bank locations?

See branch locations nearby.

Is The Cape Cod Five Cents Savings Bank open on Saturdays?

Is The Cape Cod Five Cents Savings Bank open on Sundays?

What time does The Cape Cod Five Cents Savings Bank open?

What time does The Cape Cod Five Cents Savings Bank close?

Are The Cape Cod Five Cents Savings Bank ATMs Open 24/7?

Do The Cape Cod Five Cents Savings Bank ATMs accept cash deposits?

Can The Cape Cod Five Cents Savings Bank customers use other ATMs?

Do The Cape Cod Five Cents Savings Bank branches have notaries?

Will The Cape Cod Five Cents Savings Bank notarize my document?

What address for The Cape Cod Five Cents Savings Bank should I put for incoming ACH transfers?

Will the The Cape Cod Five Cents Savings Bank branch print checks?

Do The Cape Cod Five Cents Savings Bank checks expire?

Does The Cape Cod Five Cents Savings Bank require US citizenship to open account?

Can The Cape Cod Five Cents Savings Bank close my account?

Does The Cape Cod Five Cents Savings Bank Report to credit bureaus?

Does The Cape Cod Five Cents Savings Bank Use Equifax?

What is The Cape Cod Five Cents Savings Bank's ACH Routing Number?

What is The Cape Cod Five Cents Savings Bank's SWIFT code?

Products

Does The Cape Cod Five Cents Savings Bank offer mortgages?

Compare mortgage rates here.

Does The Cape Cod Five Cents Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The Cape Cod Five Cents Savings Bank offer personal loans?

Compare personal loan rates here.

Does The Cape Cod Five Cents Savings Bank offer student loans?

Will The Cape Cod Five Cents Savings Bank cash a check?

Will The Cape Cod Five Cents Savings Bank redeem a savings bond?

Does The Cape Cod Five Cents Savings Bank cash savings bonds?

Will The Cape Cod Five Cents Savings Bank cash money orders?

Can The Cape Cod Five Cents Savings Bank issue a money order?

Does The Cape Cod Five Cents Savings Bank do currency exchange?

Background on The Bank

Who owns The Cape Cod Five Cents Savings Bank?

How long has The Cape Cod Five Cents Savings Bank been around?

Can The Cape Cod Five Cents Savings Bank transfer to other banks?

Does The Cape Cod Five Cents Savings Bank have quick pay?

Does The Cape Cod Five Cents Savings Bank accept rolled coins?

Will The Cape Cod Five Cents Savings Bank accept loose change?

Where is The Cape Cod Five Cents Savings Bank headquarters?

Customer Reviews for The Cape Cod Five Cents Savings Bank


  • November 13, 2019 |

    My favorite bank in South Dennis MA. There are always sufficient enough staff so that there is never a long waiting line. And the staff is always pleasant and efficient.

  • July 15, 2018 |

    the 3 year raise your rate CD has not raised it rates since I opened it December 2016. Rates have risen in most banks over this time frame. I am very disappointed and will never bank with Cape Cod five ever again.

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